Smartglasses-to-smartglasses payment systems

ABSTRACT

Methods for smartglasses-to-smartglasses payment systems is provided. Methods include receiving a transfer of funds initiation at a first smartglasses. The transfer of funds initiation may include an identifier, an amount and a personal identification number. Methods include transmitting the transfer of funds initiation from the first smartglasses to a second smartglasses. Methods may include receiving a notification on the second smartglasses. The notification may include a first smartglasses telephone number and the transfer of funds initiation. Methods may include transmitting a transfer of funds request from the second smartglasses to an entity. The transfer of funds request may include the first smartglasses telephone number, the transfer of funds initiation and the second smartglasses telephone number. Methods may include retrieving a first account and a second account from the entity. Methods may include transferring funds from the first account to the second account.

FIELD OF TECHNOLOGY

Aspects of the disclosure relate to smartglasses. Specifically, thisdisclosure relates to smartglasses communications.

BACKGROUND OF THE DISCLOSURE

Smartglasses have become more common in recent years. For the purposesof this disclosure, smartglasses may be understood to mean wearableglasses that include one or more internal processors.

Smartglasses are compact devices and usually stay with the user.Therefore, smartglasses are easily accessible. Because of the ease ofaccess associated with smartglasses, it would be desirable to enable asmartglasses to communicate with another smartglasses.

It would be further desirable for such communication to obviate the needfor associated mobile devices, desktop computers, laptop computers, carddevices or any other devices.

It would be yet further desirable for the communication to includepayment instructions.

It would be yet further desirable for the communication betweensmartglasses to enable a first smartglasses to transfer funds from anaccount associated with the first smartglasses to an account associatedwith a second smartglasses.

SUMMARY OF THE DISCLOSURE

Apparatus and methods for smartglasses-to-smartglasses transactions areprovided. For the purposes of this disclosure, smartglasses may beunderstood to mean wearable glasses that include one or more internalprocessors. The one or more internal processors may include one or moremicroprocessors.

In addition to the processors, smartglasses may also include hardwarecomponents associated with conventional glasses. Such conventionalcomponents may include a frame and lenses.

Other components of smartglasses may include one or more displays, oneor more cameras for capturing photographs and/or videos, one or moreaudio input devices, one or more audio output devices and/or one or morewired and/or wireless communication modules (e.g., Bluetooth®, Beacon®).

One or more software modules may execute on the processors. The one ormore software modules may be stored in a memory located within thesmartglasses. The one or more software modules may, in the alternative,be referred to as applications. The applications may enable thesmartglasses to execute various tasks.

In addition to software modules, smartglasses may also include adisplay. In one embodiment, the smartglasses display may be physicallyconfigured to add data alongside what the wearer sees through thelenses. In some embodiments, the smartglasses display may display dataas an at least partially transparent overlay on top the lenses. As such,the user may view, through the overlay, the physical objects that arenormally seen through lenses. Such a smartglasses display may be knownas an augmented realty smartglasses display.

Another component of smartglasses may include the ability forsmartglasses to modify its optical properties, such as tint andprescription of the lenses. The optical properties modification may beexecuted at any given time. Smartglasses may change optical propertiesof the lenses by executing one or more software modules on the internalprocessors.

Smartglasses may also include one or more communication transceivers.The communication transceivers may be operable to communicate withexternal processors. The external processors may be included in a mobiledevice or any other suitable computing device.

The smartglasses device may include a contactless communication module.The contactless communication module may operate on the smartglassesprocessor. The contactless communication module may initiatecommunication with another smartglasses. In some embodiments, thecontactless communication module may be an active near fieldcommunication (“NFC”) reader. As such, the contactless communicationmodule may communicate with another smartglasses using NFC technology.

The method may include generating a transaction initiation at a firstsmartglasses. The transaction initiation may be the start of atransaction. Such a transaction may be a transfer of funds transactionor any other suitable transaction. In some embodiments, the firstsmartglasses may request a transfer of funds from an account associatedwith the first smartglasses to an account associated with a secondsmartglasses. In certain embodiments, the first smartglasses may requesta transfer of funds from an account associated with the secondsmartglasses to an account associated with the first smartglasses.

It should be appreciated that the first smartglasses may not haveknowledge of an account number of the account associated with the secondsmartglasses. As such, the transaction initiation may trigger atransmission from the first smartglasses to the second smartglasses. Thetransmission may include a request for a second smartglasses telephonenumber.

The second smartglasses may respond to the transmission. The responsemay include the second smartglasses telephone number. The firstsmartglasses may transmit the second smartglasses telephone number to anentity. The entity may include a mobile telephone number to accountnumber resolver module. Such a mobile telephone number to account numberresolver module may identify an account number associated with a mobiletelephone number. As such, the mobile telephone number to account numberresolver module may identify an account number associated with thesecond smartglasses.

Once the account number associated with the second smartglasses isidentified, the account number associated with the second smartglassesmay be transmitted to the first smartglasses.

In some embodiments, the first smartglasses and/or the secondsmartglasses may maintain data in an internal storage location. Whentransactions between the first smartglasses and the second smartglasseshave been executed, the first smartglasses and/or the secondsmartglasses may maintain data relating to the transaction in theinternal storage location. The data may include the account numberassociated with the second smartglasses telephone number. As such, inthe event the first smartglasses and the second smartglasses previouslycommunicated, the first smartglasses may not communicate with the entityto determine the account number. Rather, the first smartglasses maylocate the account number within the internal storage location.

Upon receipt and/or determination of the account number associated withthe second smartglasses at the first smartglasses, the firstsmartglasses may request a transaction amount and a personalidentification number (“PIN”) from a user of the first smartglasses.

The transaction amount, PIN and/or any other suitable user input may bereceived at the first smartglasses, from the user, in a variety of ways.For example, the user input may be received from the user via touchgestures to one or more dynamic or static buttons on the firstsmartglasses.

The user input may also be received from the user via touch gestures toone or more portions of the frames of the first smartglasses. Touchgestures may include swiping, tapping and squeezing. Touch gestures mayalso include a pattern of any of the above-mentioned gestures.

The user input may also be received from air-based hand and/or bodygestures. Air-based hand and/or body gestures may be performed by theuser's hand or body without specifically touching the smartglasses.

Various sensors may be included in the smartglasses. These sensors mayinclude an accelerometer, a gyroscope, a touch pad and any othersuitable sensors. These sensors may sense the hand and/or air gestures.

Upon sensing the hand and/or air gestures, the sensor(s) and/orassociated processors may translate the hand and/or air gestures intouser input. The user input may be based on a user input structure. Theuser input structure may be a digital number pad. In some embodiments,the user input structure may be received from an external processor.

Upon receipt of the transaction amount and the PIN at the firstsmartglasses, the first smartglasses may generate a transaction request.The transaction request may include an account number associated with afirst smartglasses telephone number, an account number associated withthe second smartglasses telephone number, the transaction amount and thePIN.

The first smartglasses may transmit the transaction request to theentity. The entity may or may not be the same entity that is associatedwith the mobile telephone number to account number resolver module. Theentity may process the transaction request. The entity may transmit atransaction confirmation to the first smartglasses and/or the secondsmartglasses.

In some embodiments, the first smartglasses and/or the secondsmartglasses may authenticate the user before, during and/or after thetransaction initiation and/or transaction generation. An authorizationmodule, included in the first smartglasses and/or the secondsmartglasses, may authenticate the user of the smartglasses. Theauthentication may be executed at an authorization module included inthe smartglasses. The authorization module may authenticate the userbased on a group of detected user behavioral characteristics. The groupof detected user behavioral characteristics may include gait, speed,voice detection, head movements and body movements. The authorizationmodule may authenticate the user using any suitable authenticationmethod.

BRIEF DESCRIPTION OF THE DRAWINGS

The objects and advantages of the invention will be apparent uponconsideration of the following detailed description, taken inconjunction with the accompanying drawings, in which like referencecharacters refer to like parts throughout, and in which:

FIG. 1 shows an illustrative diagram in accordance with principles ofthe disclosure;

FIG. 2 shows another illustrative diagram in accordance with principlesof the disclosure;

FIG. 3 shows yet another illustrative diagram in accordance withprinciples of the disclosure;

FIG. 4 shows still another illustrative diagram in accordance withprinciples of the disclosure; and

FIG. 5 shows still yet another illustrative diagram in accordance withprinciples of the disclosure.

DETAILED DESCRIPTION OF THE DISCLOSURE

Apparatus and methods for smartglasses-to-smartglasses payment systemsis provided.

A smartglasses device may include a plurality of hardware components.The hardware components may include a glasses frame. The glasses framemay enable the smartglasses to rest of a wearer's face. The hardwarecomponents may also include glasses lenses. The glasses lenses maycorrect the vision of the wearer.

The hardware components may also include a microprocessor. Themicroprocessor may be operable to initiate a transaction.

The hardware components may also include a display. The display maydisplay software displays. The microprocessor may instruct the displayregarding the software displays.

The hardware components may also include a battery. The battery maypower the display and/or the microprocessor.

The hardware components may also include a nano wireless networkinterface card (“NIC”). The nano wireless NIC may establishcommunication with a wireless network.

The hardware components may also include an active NFC reader. Theactive NFC reader may detect one or more other smartglasses devicewithin a predetermined proximity to the smartglasses device. The activeNFC reader may establish communication with the one or more othersmartglasses device.

The smartglasses device may also include a plurality of softwarecomponents.

The plurality of software components may include a digital number pad.The digital number pad may display numerical digital software selectionsto the user. The digital number pad may also receive numerical inputfrom the user.

The plurality of software components may also include an informationcontroller module. The information controller module may capture datavia the digital number pad. The captured data may include a transactionamount and/or a PIN. As such, the received numerical input maycorrespond to the transaction amount and/or the PIN.

The plurality of software components may also include an NFC controllermodule. The NFC controller module may operate as the software for theactive NFC reader. As such, the NFC controller module may activate NFCcommunication via the NFC reader.

The NFC controller module may also send and/or receive user data,payment data and/or authentication data. As such, the NFC controllermodule may receive the captured data from the information controllermodule. The captured data may include the transaction amount and/or thePIN. The NFC controller module may transmit the captured data to awireless controller module.

The NFC controller module may communicate with the one or more othersmartglasses devices. Therefore, the NFC controller module maycommunicate with a second smartglasses device. The second smartglassesdevice may be included in the one or more other smartglasses devices.The communication from the smartglasses device to the secondsmartglasses device may include a request for a second smartglassesmobile telephone number.

The NFC controller module may receive the second smartglasses mobiletelephone number from the second smartglasses device.

The plurality of software components may also include the wirelesscontroller module. The wireless controller module may interface betweenthe nano wireless NIC and an external Wi-Fi device. The external Wi-Fidevice may be included in the wireless network. The Wi-Fi device may bewithin sufficient proximity to the smartglasses device to communicatewith the with the software and hardware components included in the Wi-Fidevice.

The wireless controller module may also transmit the captured data to anexternal entity. The transmission of the captured data may be over thewireless network.

The NFC controller module and/or the wireless controller module mayinclude multiple modes. The modes may include discoverable mode andnon-discoverable mode. In a discoverable mode, the smartglasses may beactively searching for other devices. In a non-discoverable mode, thesmartglasses may not be actively searching for devices.

The plurality of software components may also include a telephone toaccount resolver module. The telephone to account resolver module mayreceive a telephone number from the NFC controller module.

The telephone to account resolver module may communicate with theexternal entity and/or internal storage location to identify an accountnumber associated with a received telephone number. The telephone numbermay be a mobile telephone number.

The mobile telephone number may be associated with one or the one ormore other smartglasses devices. The mobile telephone number may beassociated with the second smartglasses device. As such, the pone toaccount resolver module may identify an account number associated withthe mobile telephone number associated with the second smartglassesdevice.

In some embodiments, the smartglasses device may be associated withmultiple mobile telephone numbers. The multiple mobile telephone numbersmay be stored in a storage location included in the smartglasses device.The smartglasses device may also be associated with multiple accountnumbers. In certain embodiments, each telephone number may be associatedwith an account number. As such, in order to generate a transaction, thewearer of the smartglasses may select a telephone number. The telephoneto account resolver module may identify the account number associatedwith the selected telephone number. As such, the telephone to resolvermodule may identify the account number associated with the smartglassesdevice.

The plurality of software components may also include an amount and PINverification module. The amount and PIN verification module may verifythe transaction amount and/or the PIN with the external entity.

As stated above, the microprocessor, included in the smartglassesdevice, may initiate a transaction. The microprocessor may generate atransaction request. The transaction request may be a transfer of fundsinstruction. A benefactor account of the transaction request may be theaccount associated with the first smartglasses telephone number. Abeneficiary account of the transaction request may be the accountassociated with the second smartglasses mobile telephone number.

The transaction request may include an account number associated withthe initiating smartglasses device. The transaction request may includethe transaction amount. The transaction request may include the PIN. Thetransaction request may include the smartglasses account numberassociated with the second smartglasses mobile telephone number.

The microprocessor may transmit the generated transaction request to theentity. The entity may process the transaction request.

Upon completion of processing the transaction request at the entity, theentity may transmit a confirmation to the smartglasses device and/or tothe second smartglasses device. The confirmation(s) may notify regardingthe completion of the transaction request processing.

The confirmations may also include details relating to the transaction.Such details may include one or more account numbers and/or a portion ofone or more account numbers. Such details may also include a transactionamount. Such details may also include a date-time stamp.

Apparatus and methods described herein are illustrative. Apparatus andmethods in accordance with this disclosure will now be described inconnection with the figures, which form a part hereof. The figures showillustrative features of apparatus and method steps in accordance withthe principles of this disclosure. It is to be understood that otherembodiments may be utilized and that structural, functional andprocedural modifications may be made without departing from the scopeand spirit of the present disclosure.

The steps of methods may be performed in an order other than the ordershown or described herein. Embodiments may omit steps shown or describedin connection with illustrative methods. Embodiments may include stepsthat are neither shown nor described in connection with illustrativemethods.

Illustrative method steps may be combined. For example, an illustrativemethod may include steps shown in connection with another illustrativemethod.

Apparatus may omit features shown or described in connection withillustrative apparatus. Embodiments may include features that areneither shown nor described in connection with the illustrativeapparatus. Features of illustrative apparatus may be combined. Forexample, an illustrative embodiment may include features shown inconnection with another illustrative embodiment.

FIG. 1 shows an illustrative diagram. The illustrative diagram showssmartglasses-to-smartglasses communication. Smartglasses 104 may be wornby user 102. Smartglasses 110 may be worn by user 108. Smartglasses 104and 110 may include capabilities such as those described above.Smartglasses 104 and smartglasses 110 may communicate with each other,as shown at communication 106.

FIG. 2 shows an illustrative diagram. The illustrative diagram showscommunication between a first smartglasses (smartglasses A), shown at202, a second smartglasses (smartglasses B), shown at 204 and afinancial institution, shown at 206.

Smartglasses A may be associated with mobile telephone number123-456-7890. Smartglasses B may be associated with mobile telephonenumber 012-345-6789.

Step 1 of an exemplary communication is shown at 208. Step 1 may includeinitiation of a payment communication. The payment communication may betransmitted from smartglasses A to smartglasses B.

The payment communication may include a transfer of funds instruction.The intent of the transfer of funds instruction may be to transfer fundsfrom an account associated with smartglasses A to an account associatedwith smartglasses B. Each account may be linked to its respectivesmartglasses via the associated mobile telephone number. The paymentcommunication that is transferred from smartglasses A to smartglasses Bmay include the mobile telephone number associated with smartglasses A.

Step 2 of the exemplary communication is shown at 210. In response toreceiving the payment communication initiation, smartglasses B maytransmit its associated mobile telephone number to smartglasses A.

Step 3 of the exemplary communication is shown at 212. A user ofsmartglasses A may enter a transaction amount and a PIN. As such, thetransaction amount and PIN may be captured at smartglasses A.

Step 4 of the exemplary communication is shown at 214. Smartglasses Amay transmit mobile telephone number A, mobile telephone number B,transaction amount and PIN to the financial institution.

Step 5 of the exemplary communication is shown at 216. Financialinstitution 206 may transmit account information A, which is associatedwith mobile telephone number 123-456-7890, account information B, whichis associated with mobile telephone number 012-345-6789 and a paymentverification to smartglasses A.

In some embodiments, smartglasses A may respond to the financialinstitution with an approval. Upon receipt of the approval, thefinancial institution may process the payment.

FIG. 3 shows an illustrative diagram. The illustrative diagram showscommunication between a first smartglasses (smartglasses A), shown at302, a second smartglasses (smartglasses B), shown at 304 and afinancial institution, shown at 306.

Smartglasses A may be associated with mobile telephone number123-456-7890. Smartglasses B may be associated with mobile telephonenumber 012-345-6789.

Step 1 of an exemplary communication is shown at 308. Step 1 may includeinitiation of a payment communication. The payment communication may betransmitted from smartglasses A to smartglasses B.

The payment communication may include a transfer of funds instruction.The intent of the transfer of funds instruction may be to transfer fundsfrom an account associated with smartglasses A to an account associatedwith smartglasses B. Each account may be linked to its respectivesmartglasses via the associated mobile telephone number. The paymentcommunication that is transferred from smartglasses A to smartglasses Bmay include the mobile telephone number associated with smartglasses A.

Step 2 of the exemplary communication is shown at 310. In response toreceiving the payment communication initiation, smartglasses B maytransmit its associated mobile telephone number to smartglasses A.

Step 3 of the exemplary communication is shown at 312. Smartglasses Amay transmit mobile telephone number associated with smartglasses B tothe financial institution for account number identification.

Step 4 of the exemplary communication is shown at 314. The financialinstitution may determine the account

Step 4 of the exemplary communication is shown at 314. The financialinstitution may identify an account number associated with the mobiletelephone number associated with smartglasses B. The financialinstitution may transmit the identified account number to smartglassesA.

Step 5 of the exemplary communication is shown at 316. Smartglasses Amay capture an amount and PIN from the smartglasses A user.

Step 6 of the exemplary communication is shown at 318. Smartglasses Amay generate a payment instruction to transfer funds from account numberassociated with smartglasses A and to the account number associated withsmartglasses B.

Step 7 of the exemplary communication is shown at 320. Smartglasses Amay transmit a payment instruction to the financial institution forprocessing. The financial institution may be associated with the accountassociated with smartglasses A and/or the account associated withsmartglasses B.

FIG. 4 shows an exemplary diagram. The exemplary diagram includescomponents of smartglasses 402. The components may be divided into twosets of components, hardware components, shown at 404 and softwarecomponents, shown at 416.

Hardware components may include component A, a battery, shown at 408.The battery may power the other components of the smartglasses, such asthe display and the microprocessor.

Hardware components may include component B, a microprocessor, shown at406. The microprocessor may execute the processing within thesmartglasses. The microprocessor may initiate a transaction.

Hardware components may include component C, shown at 410, a nanowireless NIC. The nano wireless NIC may establish communication with anearby wireless network. The wireless network may be used to communicatewith a financial institution.

Hardware components may include component D, shown at 414, an active NFCreader. The active NFC reader may detect the proximity of othersmartglasses. The active NFC reader may also establish communicationwith the other smartglasses.

Hardware components may include component E, shown at 412, a display.The display may display software-based displays to the user.

Software components may include a telephone to account number resolvermodule. The telephone to account number resolver module may communicatewith the financial institution to identify an account number associatedwith a phone number.

Software components may include an amount and PIN verification module.The amount and PIN verification module may verify the amount of thetransaction and the PIN with the financial institution.

Software components may include a digital number pad module. The digitalnumber pad module may display a digital number pad to the smartglassesuser.

Software components may include an NFC controller module. The NFCcontroller module may activate NFC with the active NFC reader. The NFCcontroller module may send and/or receive user data, payment data and/orauthentication data.

Software components may include an information controller module. Theinformation controller module may capture amount and PIN informationfrom the user.

Software components may include a wireless controller module. Thewireless controller module may interface between the nano wireless NICand an external Wi-Fi device.

FIG. 5 shows a payment system where funds can be transferred from anaccount associated with a first smartglasses (502) to an accountassociated with a second smartglasses (504).

Smartglasses 502 may include microprocessor 522. Battery 528 may powermicroprocessor 522. Microprocessor 522 may initiate a transaction.

Smartglasses 502 may also include digital number pad 524. Digital numberpad 524 may be displayed on display 526. Digital number 524 pad mayreceive numerical user input.

Smartglasses may also include nano wireless NIC card 516. Nano wirelessNIC card 516 may be responsible for establishing communication with anearby wireless network.

Smartglasses may also include an active NFC reader 512. NFC reader 512may detect smartglasses in a predetermined vicinity. NFC reader 512 mayestablish communication with the detected smartglasses, such assmartglasses 504.

Smartglasses 502 may also include a telephone to financial institutionresolver 518. Telephone to financial institution resolver 518 mayidentify bank account information associated with a telephone number.

Telephone to financial institution resolver 518 may communicate with anentity, such as a financial institution. The financial institution maystore account information. The financial institution may processtransactions.

Smartglasses 502 may also include an amount and pin verification module520. Amount and PIN verification module 520 may capture user inputrelating to an amount and a PIN. Amount and PIN verification module 520may capture user input made in hand gestures.

Active NFC reader 512 may communicate with NFC controller 510. NFCcontroller 510 may activate NFC communication. NFC controller 510 maysend and receive a user's payment and authentication data.

Smartglasses 502 may also include information controller 508.Information controller 508 may communicate with amount and PINverification module 520. Information controller 508 may capture amountand PIN information. Information controller 508 may transfer thecaptured amount and PIN information to NFC controller 510.

NFC controller 510 and nano wireless NIC card 516 may communicate withwireless controller 514. Wireless controller 514 may communicate withexternal Wi-Fi device 506.

Wireless controller 514 may communicate with microprocessor 522.Microprocessor 522 may communicate with a receiver's financialinstitution 530 and a sender's financial institution 532.

Thus, smartglasses-to-smartglasses payment systems are provided. Personsskilled in the art will appreciate that the present invention can bepracticed by other than the described embodiments, which are presentedfor purposes of illustration rather than of limitation. The presentinvention is limited only by the claims that follow.

1-3. (canceled)
 4. A method for smartglasses-to-smartglassestransactions, the method comprising: generating a transaction initiationat a first smartglasses; triggering, by the transaction initiation,transmission, from the first smartglasses to a second smartglasses, arequest for a second smartglasses telephone number, said secondsmartglasses telephone number associated with the second smartglasses;transmitting, from the second smartglasses to the first smartglasses,the second smartglasses telephone number; transmitting the secondsmartglasses telephone number, from the first smartglasses to an entity;receiving at the first smartglasses, an account number associated withthe second smartglasses telephone number; requesting a transactionamount and a personal identification number at the first smartglasses;generating a transaction request at the first smartglasses, saidtransaction request comprising: an account associated with a firstsmartglasses telephone number; the account associated with the secondsmartglasses telephone number; the transaction amount; and the personalidentification number; transmitting the transaction request to theentity; processing the transaction request at the entity; receiving, atthe first smartglasses and at the second smartglasses, a transactionconfirmation from the entity.
 5. The method of claim 4, wherein: thefirst smartglasses comprises a first near field communication (“NFC”)component; the second smartglasses comprises a second NFC component; andthe first NFC component and the second NFC component execute thetransmissions between the first smartglasses and the secondsmartglasses.
 6. The method of claim 4, wherein the transaction is atransfer of funds transaction.
 7. The method of claim 6, wherein: abeneficiary of the transfer of funds transaction is the accountassociated with the second smartglasses telephone number; and abenefactor of the transfer of funds transaction is the accountassociated with the first smartglasses telephone number. 8-20.(canceled)